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Investor Lending Programs

Our National team of experienced Real Estate Investors (REI) support your real estate ventures and financing needs. Our technology is built to make the experience of obtaining your loans as your fast and predictable funding partner.

 

My Capital is an investment in Your journey to Financial Freedom.

Fix & Flip

  • Finance up to 92.5% loan to cost

  • Single-family & multifamily properties

  • No Prepayment Penalties

  • Close in as little as 5 business days

Short-Term Rental

  • Finance up to 75% loan to value; 70% for cash-out

  • Single-family & multifamily properties

  • Low or No Prepayment Penalty options

  • Must be listed on Airbnb, VRBO, or similar

DSCR/Rental Properties

  • Finance up to 80% loan to value; 75% for cash-out

  • Single-family & multifamily properties

  • Low or No Prepayment Penalty options

  • Minimum DSCR 0.75

Construction

  • Finance up to 85% loan to cost; 65% for the value after completion

  • Single-family, Townhomes, & ADUs

  • No Prepayment Penalties

  • Draws fund in as little as 1 business day

Bridge
  • Finance up to 75% loan to value; 65% for cash-out
  • Single-family & multifamily properties
  • No Prepayment Penalties
  • Multi-year bridge loan
Rental Portfolios

  • Finance up to 75% loan to value; 70% for cash-out

  • Single-family & multifamily properties

  • Low or No Prepayment Penalty options

  • Minimum of 3 properties

Bank Statement

  • Finance up to 80% loan to value; 75% for cash-out

  • 30-year term with competitive pricing

  • Low or No Prepayment Penalty options

  • Qualify based on Bank Statement Analysis

Don't Have a Deal?

Get a head start on your next project and get pre-qualified for your next deal.

Discover our Account Dashboard, our platform is built to unify your investments.

 

Fill out the form, & create an account at the login screen to pre-qualify.   

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Our Process

Step 1: Click the “SUBMIT YOUR DEAL” button to sign in and input the details for the project you are looking for us to finance.

Step 2: Please ensure the closing date is accurate and inline with the closing timelines listed in the FAQ.

Step 3: Our team will respond to clients who submitted a deal through this portal within 24 hours.

Step 4: If your deal is eligible for financing, you will receive an automated email from noreply@usemycapital.com informing that an offer is ready for your review

Step 5: After the loan Offer is accepted and the necessary information and documents under the “Tasks” tab are completed, we will order a valuation and move the file into underwriting.

Step 6: Our fulfillment team will order title and insurance, and reach out to you for any additional info we will need for closing.

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